Stay One Step Ahead of Unexpected Expenses

The Emerald Advance® is a year-round line of credit that provides the ability to repeatedly borrow and repay up to $1000126, depending on bank approval. Use it year-round for emergencies, car repairs, bills and other credit needs. Only borrow and repay the specific amount you need.

Fees

Fees and Terms

36% APR applies during promotional period and for unsecured lines of credit. For partial savings-secured and full savings-secured lines of credit, the APR is 18% and 9% respectively. For more details, see the Terms & Conditions.

$7.50 Late Fee – Payments received after the due date may be assessed a late fee. Assessed monthly, maximum of 5 fees per year.

Emerald Advance Auto-Pay Request Form

H&R Block Bank offers an optional automatic payment plan that is a convenient way for you to make each required monthly minimum payment on your Emerald Advance and help you avoid late charges.

Merchants/offers vary. Rewards will be posted to your Emerald Card on or around the 5th day of the month following your qualifying purchase. Rewards are in the form of a cash credit loaded onto the card and are subject to applicable withdrawal/cash back limits.

For a full schedule of Emerald Card fees, see your Cardholder agreement

Payroll, unemployment, government benefits and other direct deposit funds are available on effective date of settlement with provider. Please check with your employer or benefits provider as they may not offer direct deposit or partial direct deposit. Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit.

H&R Block Emerald Advance® line of credit and H&R Block Emerald Savings® are offered through H&R Block Bank, a Federal Savings Bank, Member FDIC. H&R Block Emerald Prepaid MasterCard&reg is issued by H&R Block Bank pursuant to a license by MasterCard International Incorporated. All products subject to ID verification. Line of credit is also subject to credit and underwriting approval. Fees apply. Products offered only at participating offices. Promotional period 11/24/2014 – 01/19/2015. MasterCard is a registered trademark of MasterCard International Incorporated.

See: Bankrate.com May 7 2012 study on prepaid debit card fees.

If you use your Emerald Card at an ATM not owned by us for any transaction, including a balance inquiry, you may be charged an additional surcharge fee by the ATM operator even if you do not complete a withdrawal. Surcharge fees are generally $1.50 to $3.00. When you use a MoneyPass ATM, you avoid this fee. There's also no additional surcharge fee if using an AllPoint ATM located inside of a CVS or 7-Eleven® store. ATM fees noted in your cardholder agreement still apply.

Retail Reload Providers may charge a convenience fee. Any Retail Reload Fee is an independent fee assessed by the individual retailer only and is not assessed by H&R Block Bank.

H&R Block does not charge a fee for this service, however standard provider text message fees and data rates may apply.

US MasterCard Zero Liability does not apply to commercial accounts (except for small business card programs). See your Cardholder Agreement for details about reporting lost or stolen cards and liability for unauthorized transactions.

Requires purchase of a Refund Anticipation Check (RAC), for which a temporary bank account is required and fees apply. See RAC Application for full terms and conditions. Refund Anticipation Check (RAC) is provided by H&R Block Bank, a Federal Savings Bank, member FDIC. Fees apply. You must meet legal requirements for opening a bank account. A RAC is a bank deposit, not a loan, and is limited to the size of your refund less applicable fees. You can electronically file your return and receive your refund without a RAC, a loan or extra fees. H&R Block Maine License Number: FRA2. Available at participating offices.

Availability of Refund Anticipation Check (RAC) funds vary by state. Funds will be applied to your selected method of disbursement once they are received from the state taxing authority.

Fees apply. Check to Card service not available to all cardholders. Some checks may not be accepted or approved. Funds not available until check is approved. Initial use may require additional time for check processing. See Check to Card User Agreement for details.

The Rapid Reload logo is a trademark owned by Wal-Mart Stores. Inc. Rapid Reload not available in VT and WY. Fees apply. Check cashing fees may also apply. Check cashing not available in NJ, NY, RI, VT and WY.

If approved, you could be eligible for a credit limit between $350 and $1,000.

Minimum monthly payments apply. Line balance must be paid in full by February 15 each year. Year-round access may require Emerald Savings® secured.

Fees apply when making cash payments through MoneyGram® or 7-11®

Please consult your tax professional for further information regarding eligibility, tax-deductibility of Traditional IRA contributions, tax-deferred/tax-exempt interest, limitations and tax consequences of distributions for college expenses and first-time home purchases, and additional IRS rules governing both Traditional and Roth IRAs. Severe penalties may be imposed for contributions and distributions not made in accordance with IRS rules.

Interest accrues daily and is credited monthly. Minimum opening deposit was $300 or a monthly direct deposit of $25. No minimum balance is required to obtain the stated APY. All fees and rates are subject to change after account opening. Annual Percentage Yield (APY) effective as of November 21, 2013 at 20:13 PM CST and is subject to change without prior notice. Unless exception applies, a 10% IRS early distribution penalty if withdrawn prior to age 59½ will apply. Fees may reduce earnings on the account. If you close your account prior to the crediting of interest, you will not receive the accrued interest. See fee disclosure and account agreement for details.

Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. There are limits on the total amount you can transfer and how often you can request transfers. H&R Block Bank does not charge a fee for this service; please see your bank for details on its fees.

A qualifying Signature Purchase is any valid retail Signature Purchase made on your Emerald Card during the Promotional Period AFTER you have exceeded a total of $100.00 in purchases. A Signature Purchase occurs when you select "credit" and/or sign your name to complete the transaction instead of entering your PIN. Emerald Cash Back payments will be applied to your Card in the form of a one-time load on or about June 30, 2014.

If you request cash back when making a purchase in a store, you may be charged a fee by the merchant processing the transaction. Always ask the merchant if a surcharge applies when requesting cash back at the point of sale.

No purchase, enrollment, or payment of any kind or application and approval for an H&R Block Emerald Advance line of credit or H&R Block Emerald Prepaid MasterCard is necessary to enter or win. A purchase, enrollment or application and approval for an Emerald Advance or Emerald Card will not increase your chances of winning. You have not yet won. Void where prohibited. Eight (8) Monthly Prizes/One (1) Prize per Month valued at $500/ea. Odds of winning depend on number of eligible entries received for applicable drawing. Starts 9/4/2014. Ends 4/30/2015. Open to residents of US, DC & Puerto Rico of legal age. See Official Rules for prize restrictions and alternate means of entry. Sponsored by Block Financial LLC, One H&R Block Way, Kansas City, MO 64105.

Applicants must be 18 years of age in the state in which they reside (19 in Nebraska and Alabama, 21 in Puerto Rico.) Identity verification is required. Both cardholders will have equal access to and ownership of all funds added to the card account. See Cardholder Agreement for details.

Use of (Tap) for Balance is governed by the H&R Block Bank Mobile and Online Banking Online Bill Payment Agreement and Disclosure. Once activated, you can view your card balance on the login screen with a tap of your finger. You should enable the security features on your mobile device, because anyone who has access to it will be able to view your account balance. You also accept all risk associated with (Tap) for Balance, and agree that neither H&R Block Bank nor any of its parents or affiliated companies have any liability associated with its use. You will still be required to login to further manage your account.